Life insurance companies test liver labs that can indicate Hep C. They do not diagnose Hepatitis C, per se. Instead, they will decline or postpone if Hep C is suspected, and ask that you see your doctor before reapplying or continuing with your application.
Keep in mind that the above only applies to policies that require an exam. No Exam policies do not test blood although they usually ask on the life insurance application if Hep C is present.
When applying for life insurance you may be required to take give a blood and/or urine sample for analysis. Most people who have Hep C discover they have it in an exam when applying for life insurance. The elevated liver functions are the tip off for further consultations with the applicant’s primary doctor, to determine what’s causing the elevated liver functions. If there’s no deterioration of the liver, it is possible to receive an offer from a life insurance company.
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Keep in mind that the above only applies to policies that require an exam. No Exam policies do not test blood although they usually ask on the life insurance application if Hep C is present.